Currently, although there is an annual adjustment of regional salary increases and basic salary increases for professions and jobs, the reality shows that most employees of companies and workers of production factories often find it difficult to to get an accumulation while working. Therefore, many of you feel depressed after a few years as a worker and intend to change jobs to find a new job with better income in order to quickly accumulate some money for yourself.
However, if we look at it in detail, we will also find that, with the same income in the same type of work, there are still people who are skillful in cultivating to ensure their spending and also get 1 substantial accumulation. Together we will learn how everyone can build a reasonable income and expenditure plan for themselves and achieve their savings goals.
With the average salary of workers in industrial zones, the largest proportion must be spent on housing rental costs and living expenses. These two amounts almost make up more than half of the total monthly income of most siblings. So we just need to build a solution to minimize these 2 costs, then there will be a decent amount of money left in the savings fund.
In the housing rental section
Because the number of workers concentrated in industrial parks is very large, in the vicinity of industrial parks, there are often not many population groups, so the demand for accommodation is high, but the number of accommodation and rooms is not enough. meet that need. Therefore, the rental price of housing for workers in places near industrial parks is often higher than the common ground. The workers should overcome the fear of the distance to move from the place of residence to the place of work. Accept to find housing with a wider range (it is best to find places far from factories, far from industrial zones, we will rent houses with much better area and facilities at a cheap price) Such independent houses are not only cheaply rented, but are also paid for with the original price of electricity and water from the utility company, so the accompanying electricity and water costs are also significantly reduced.
In the food and living expenses section
You should keep a daily, weekly, and monthly expense journal. We will be able to control our daily spending so that we can adjust to a reasonable spending framework and aim to cut this spending bit by bit (for example, set a goal to reduce spending next month compared to the next month). with this month 5%). Besides, it is advisable to take a moment to find out the market prices of each place that sells essential items that we often use to decide to buy at the places with the most reasonable prices. Gradually give up the habit, buy there whenever convenient to avoid buying products at high prices and also have more time to consider whether buying that product is reasonable or not? Build a separate fund for special needs such as tobacco, alcohol, cosmetics, etc. to avoid over-buying leading to negative cash fund.
Even if your salary is low and limited, you should also build an investment fund for studying. This will enhance your ability in the future and will give you more opportunities for higher income. This is often not interested by you or you think that you do not have the conditions to do this. But in fact, if we don’t improve our intellectual capacity from learning more, our health will decrease over time, until then we will not be able to catch up with modern trends and be eliminated by ourselves. So we need to take this seriously and invest in this properly to have a better future. Always strive and have a positive attitude, be happy with your current job, give your best, work hard, no comparison. In the long run, the company will see your ability and dedication.
